Vice President, you are right.

Yup, be creative and enjoy what you are doing. Don't gossip a lot and show your potential and just do it rather than saying it out only. Integrity is important as well as information seeking. I always stick on these 2 core competencies.

Anyway, to earn a lot, be a businessmen. But, the risk for the business to turn down is also high, thats why we get NPLs.

Academic qualification is just a passport for you to get into the corporate world, it still depends on yourself on whether you can excel in the industry or not.
Jinyee